Aetna Broker of Arizona

"Thank you so much for helping me get my insurance so quickly. I appreciate all of your help. I will definitely recommend you to my fellow classmates." more

Arizona Family Health Insurance

"I was glad that you answered the phone. I know I made a good choice choosing you as my broker and applying with Blue Cross Blue Shield of Arizona. The more I think about it, the more I want to be with a company that has widespread recognition and is everywhere. So thanks again for everything!" more

Affordable Health Insurance in Arizona

"I was glad that you answered the phone. I know I made a good choice choosing you as my broker and applying with Blue Cross Blue Shield of Arizona. The more I think about it, the more I want to be with a company that has widespread recognition and is everywhere. So thanks again for everything!" more

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What our customers are saying…

Thank you so much for helping me get my insurance so quickly. I appreciate all of your help. I will definitely recommend you to my fellow classmates.
— Dave

Mr. Higgins explained in ways that I can understand. His compassion was unequal!
— Roxanne,

Thanks, Michael, I truly appreciate your prompt assistance…
— Laura

Thank you. This is helpful and I appreciate your time and assistance.
— Rick,

I was glad that you answered the phone. I know I made a good choice choosing you as my broker and applying with Blue Cross Blue Shield of Arizona. The more I think about it, the more I want to be with a company that has widespread recognition and is everywhere. So thanks again for everything!
— Liza,

“Hi Mike,
…my mother lives in Texas, but I thought I would ask you (a question about health insurance,) since the
comments about you on the website were heartfelt.

Thank you.

-L.M.
Houston, TX
— Rick,

“Mike,

You have provided professional & friendly guidance to our family for so many years and I hope you know how much we appreciate your help!!

Sincerely,

Charlotte”

07/2017: Arizona recently passed a law allowing health insurance brokers to charge a fee for their services. Michael Higgins Insurance, LLC. does not charge a fee, and please feel free to call any day or time, 602.405.8769.

ALERT: As of 01/01/2017, Maricopa County, AZ. has one health insurance company offering individual and family ACA policies. All other insurers have pulled out of the market due to extreme financial losses. Please visit www.healthcare.gov if interested in an individual or family ACA plan.

A viable alternative to the ACA plan is a short term health insurance policy, HERE, with coverage available for up to 90 days at a time. Short term plans are not considered creditable coverage by the IRS. This website offers short term plans through Blue Cross and Blue Shield of Arizona/IHC. Short term plans offer very good coverage at a fraction of the cost of ACA plans, though they are medically underwritten. Typically, an applicant answers around seven general health questions, and most are approved. Please call Mike Higgins if you have any questions, 24/7, at 602.405.8769.

Effective 01/01/2017, 44,000 current Blue Cross and Blue Shield of Arizona Affordable Care Act (ACA) individual policyholders lost coverage, and BCBSAZ will no longer offer ACA individual policies in Maricopa County in 2017. Cities such as Phoenix, Scottsdale, Mesa, Tempe, and Gilbert are within Maricopa County. BCBSAZ will continue offering individual ACA plans in most rural counties in Arizona. Premium rates in the remaining counties increased by approximately 65% in 2017 for those with ACA individual/family plans. The only remaining insurer in Maricopa County in 2017 for individual/family policies is AmBetter/HealthNet.

Those Not Affected: Grandfathered and Grandmothered individual policyholders, Medicare supplement policyholders, and those with group coverage will not be affected. It is highly recommended that those with Grandfathered and Grandmothered policies keep their policies in force. Those with Grandmothered policies may now keep their coverage through 2017, per new federal guidelines. (Grandmothered plans were scheduled to be fazed out on 04/30/2017.) Grandfathered plans are individual policies purchased on or before March, 23rd, 2010. Grandmothered individual plans are those purchased after March, 23rd, 2010, but before January 1st, 2014. ACA policies are those purchased on or after January 1st, 2014.

Options Available: The individual market is changing daily, and not for the better, unfortunately. As of October 2016, AmBetter is the only insurer for 2017 individual and family ACA Marketplace policies. United Healthcare, BCBSAZ, HealthNet, Cigna, and Humana have departed the individual and family market for 2017, each carrier with hundreds of millions of dollars in losses to date. Again, in this broker’s humble opinion, a short term policy from BCBSAZ/ IHC may be the best way to go until major changes to the ACA have been made.

Qualify For Marketplace Tax Credit? Mike Higgins is a 2017 federally certified broker for Marketplace individual policies. Whether an individual, family, or small group interested in the federal SHOP program, Mike is more than happy to assist you. Please call 602.405.8769, any day, any time.

Whether interested in Arizona individual health insurance, private family health plans, small and large group health insurance policies, or term life and dental coverage, please call Mike Higgins at 602.405.8769 for the latest information in this ever-changing market. For further information on Arizona health insurance policies please visit my other website, www.higginscompanies.com. It has extensive information on maternity options, Health Savings Accounts, (HSA,) and many other topics dealing with Cigna, Blue Cross and Blue Shield of Arizona, Aetna, and United Healthcare.

I am easy to reach, and please feel free to give me a call anytime, any day at 602.405.8769. Possibly you have a question about medical insurance in general, how deductibles work, when they apply, etc. The insurance companies I am contracted with are Cigna, BCBSAZ, Aetna, and United Healthcare. Cigna is an insurance company with a rich history going back 200 years! Back then, a group of Philly citizens formed INA, the first marine insurer in the USA. Later, Connecticut General was acquired, hence the name CIGNA. Blue Cross of AZ is a non-profit organization, and they typically have a 92%-98% approval rating. Having dealt with BCBSAZ for the past 36 years, I can tell you that they are a company that keeps their word. Blue Cross Blue Shield of Arizona is the largest, local insurance company in Arizona. Aetna is another fine company, offering quality individual and group health policies that are competitively priced. As an insurer that is well over 100 years old, they are here for the long haul, just like their namesake, Mt. Etna in Italy. United Healthcare is the largest commercial insurance company in the nation, a fact that speaks volumes on its own.

Your monthly premium is the same whether using a broker or dealing directly with Cigna, BCBSAZ, Aetna, or UHC. For 36 years Michael Higgins Insurance, LLC. has offered health insurance, term life insurance, short term policies, and dental.

There are many fine health insurance carriers in the state, but unfortunately most of them have been forced to pull out of the individual ACA market due to substantial losses the past three years. As most major carriers exit the Arizona market (and most individual markets throughout the country) a glimmer of hope remains. All of these major carriers will remain in the group, dental, and Medicare supplement business in 2017. Again, if you are fortunate enough to currently have a Grandfathered or Grandmothered individual policy, keeping it in force is most likely your best option for the foreseeable future.